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      "text": "5. LendingClub application data from Q1-Q3'23...\n6. This data is provided by dv01...\n7. Did Fintech Loans Default More During the COVID-19 Pandemic?...\n8. LendingClub early-stage roll rates...\n9. LendingClub internal data as of September 30, 2025.\n10. LendingClub recovery rate at MOB24...",
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      "text": "1. Total outstanding revolving credit card debt...\n2. St. Louis Federal Reserve, Commercial Bank Interest Rate...\n3. LendingClub internal data as of September 30, 2025.\n4. St. Louis Federal Reserve, Commercial Bank Interest Rate...\n5. Between Jan 2025 to March 2025...\n6. LendingClub internal data as of September 1, 2025.",
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      "text": "An Unmatched Underwriting Advantage (continued)",
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